Approved Retirement Funds (ARF/AMRF)

Once you reach retirement you may be able to choose what you do with your retirement fund depending on your individual circumstances. One of these options may be an Approved Minimum Retirement Fund (AMRF) or an Approved Retirement Fund (ARF).

How do they work?

With an AMRF and an ARF you re-invest your pension fund and take the money out when you need it.

In order to take out an Approved Retirement Fund you must have a guaranteed annual income of €18,000 per year (from other sources than your ARF investment). If you don’t you must invest €119,800 of your pension fund into an Approved Minimum Retirement Fund. Once you have put this money in an AMRF you can put any remainder into an ARF.

Four great reasons to choose an AMRF/ARF

  1. Great options
    ARF and AMRF plans offer a wide range of investment options to give you the best results for your needs.
  2. Flexibility
    With an ARF you can take a regular income from your fund or lump sums as you need them. These are subject to normal income tax on withdrawal.
  3. Low charges
    ARF and AMRF plans have a very competitive charging structure with no big up-front charges.
  4. Keeping in touch
    You will receive updates each year so you know how your plan is doing.
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